Professional Liability Insurance Group

10/15/2026

A business can have insurance and still be financially exposed when a claim becomes unusually large.

That is one reason nuclear verdicts deserve attention. In 2025, nearly 200 corporate verdicts reached $10 million or more, totaling approximately $25.6 billion.

As severe claims increasingly push beyond primary liability limits, businesses should periodically reassess whether their insurance program still reflects their size, operations, and exposures.

Having coverage is one thing. Understanding whether you have enough is another.

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

10/13/2026

Not all medical malpractice policies respond to claims in the same way.

For physicians, understanding the difference between occurrence, claims-made, and modified claims-made coverage can be especially important when changing carriers, retiring, or transitioning between practices.

Retroactive dates, tail coverage, prior acts protection, and how limits apply over time can all affect long-term protection.

The right policy isn't necessarily the one with the lowest premium. It's the one that makes sense for the physician's circumstances and future plans.

Read the full article: https://protectusbetter.com/medical-malpractice-insurance-policy-types/

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

10/12/2026

Today, we recognize Indigenous Peoples’ Day and honor the rich cultures, histories, traditions, and contributions of Indigenous communities.

May today be an opportunity to learn, listen, and celebrate the communities whose stories and contributions continue to shape our country.

10/08/2026

Your business has probably changed over the last few years.

Maybe you're using AI. Maybe you have more vendors, more client data, new services, or a completely different way of operating.

Your insurance should keep up with those changes.

AI, cyber risk, and technology-related liability are creating exposures that weren't necessarily part of the conversation when your current policies were written.

When was the last time you reviewed your coverage?

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

10/06/2026

$25.6 billion. That was the combined value of nearly 200 corporate verdicts of at least $10 million in 2025, according to Marathon Strategies.

For businesses, nuclear verdicts are a reminder that a serious liability claim can quickly exceed the limits of a primary policy.

CGL coverage provides important protection, but businesses should also consider whether their excess liability limits, exclusions, and underlying requirements adequately reflect their exposure.

As businesses grow, their liability strategy should grow with them.

Read the full article: https://protectusbetter.com/nuclear-verdicts-business-liability-risks

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

10/05/2026

The All American Raffle is now the Red, White & Wheels Sweepstakes!

Get your entries and support Big Brothers Big Sisters of Cumberland & Salem Counties and their mission to Defend the Potential of our youth.

Your donation is now 100% tax deductible, making this a great way to have some fun while supporting an important cause.

👉 Get your entries here:
https://tixforgood.org/product/bbbs

Thank you to Donna Bennett and Melody Montgomery for helping get the word out!

NUMBER OF WINNERS: 1 Winner NUMBER OF PRIZES: 1 Prize ENTRY DEADLINE DATE: Sunday, November 8, 2026 11:59pm WINNER ANNOUNCEMENT DATE: Wednesday, November 11, 2026 @ approximately 3:00 p.m. WINNER ANNOUNCEMENT LOCATION: Lilliston Ford, 833 North Delsea Drive, Vineland, NJ or watch live at www.faceboo...

09/30/2026

Your business may look very different today than it did a few years ago.

New technology. AI. More vendors. More data. New services. Different ways of working.

Those changes can create insurance exposures that weren't there when your current policy was originally designed.

A regular coverage review can help make sure your insurance keeps up with the business you're actually running today.

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

09/29/2026

The insurance landscape is moving quickly.

AI is creating new liability questions. Cyber threats are evolving. Professional liability claims are becoming more complex. And rising construction costs are changing the way businesses need to think about property coverage.

For business owners, staying ahead means more than renewing the same policies every year.

A regular review can help make sure your coverage reflects your current operations, technology, services, and exposures.

Read the full article: https://protectusbetter.com/professional-liability-insurance-trends-2026

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

09/23/2026

A higher renewal doesn’t automatically mean you should sign the new rate.

Healthcare costs are pressuring employers from several directions, especially pharmacy and specialty drug spending.

Before accepting the increase, take a closer look at what is actually driving your costs and what alternatives may be available.

The right strategy depends on the business, the workforce, and the plan.

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com

09/22/2026

A property limit that looks sufficient today may not be enough when it is time to rebuild.

If your commercial property policy includes a coinsurance requirement and your building value has increased over time, a claim payment could be reduced if your coverage limit does not meet the policy requirement.

For example, a building with a $3 million replacement cost has a 90% coinsurance requirement, meaning it should be insured for at least $2.7 million. If the building is insured for $2.5 million and experiences a $2 million covered loss, the coinsurance provision may reduce the claim payment to approximately $1.85 million before the deductible.

Construction costs, labor expenses, and material prices continue to change.

Regularly reviewing your property values and insurance limits can help identify potential coverage gaps before a major loss occurs.

Read the full article:https://protectusbetter.com/coinsurance-penalty-property-insurance-claim/

📞 (877) 754-4123
📧 [email protected]
🌐 www.protectusbetter.com